For those born before 1970 with seagoing service time:
You apply in the same way as you apply for a pension.
You must apply before you turn 67 to avoid losing the right to a refund of contributions.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
Refund of contributions does not apply under the new scheme, as a continuous pension is paid out after three years of accrual.

For those born before 1970 with seagoing service time:
Your pension is calculated based on the number of months you have earned seagoing service time, up to a maximum of 360 months. Different rates apply for officers and non-officers, and there is a distinction between service earned before and after May 1, 1993.

The pension rates are linked to the National Insurance Scheme’s basic amount (G).

As of May 1, 2022, pensions are adjusted based on an average of wage and price growth, in line with the new adjustment rules introduced in 2022.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
Your annual pension is calculated based on the amount you have accrued in your pension account.

You earn pension rights equal to 6.3% of your annual gross income at sea. The income used for calculation can be up to 12 times the National Insurance basic amount (G) per year.

When you start drawing your pension, the pension account is divided by the number of years you choose to receive payments over. You must draw your pension for a minimum of 7 years.

For those born before 1970 with seagoing service time:
If you start drawing your pension between the ages of 60 and 62, you must have ended your service at sea. However, you may take on short-term assignments at sea of up to 3 months per year once your pension begins. You can earn as much as you want on land and still receive your full pension.

From age 62, you can earn unlimited income both at sea and on land while still receiving your full pension.

If you were born before 1965 and have an income lower than twice the National Insurance basic amount (G), you may be entitled to an income-tested pension supplement (all income is included in the assessment).

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
There is no requirement to stop working at sea. You can earn as much as you like alongside your pension without any reduction in payments. You may also draw your pension and continue to earn additional pension rights through further work at sea until you turn 70.

Only applicable if you were born before 1970 and have accrued seagoing service time:

If you started your sea service after 1968, a deferred retirement age between 60 and 65 applies, depending on how many months you have accrued after turning 40.

For those born before 1970 with seagoing service time:
The repayment amount is equal to 2/3 of an annual pension, calculated based on the number of pension-earning seafaring months you have accrued.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
Repayment of contributions does not apply in the new scheme, as ongoing pension payments are granted after three years of earning rights.

Only relevant for those born before 1970 with seafaring service:

• You can start drawing a reduced pension as early as age 55 if the sum of your age and pensionable seafaring service is at least 80 years.
• The pension will be permanently reduced by 0.7% for each month you are under the age of 60 at the time of withdrawal.
• You will not receive the pension supplement if you take out a reduced pension.
• Reduced pension can only be paid retroactively for up to 3 months from the date you apply.
• If you have a postponed pension age (meaning after age 60), you cannot take early retirement.

Note: Starting pension before the age of 60 means you cannot return to work at sea or earn further pension rights.

The short-term assignment rules do not apply to those receiving reduced pension — even after the age of 62. This is because reduced pension is intended for those who have had long careers at sea and who are no longer able or expected to work at sea.

Only relevant for those born before 1965:

Between the ages of 60 and 67, you may receive a pension supplement if you meet the following requirements:

• You must have at least 36 months of pensionable seafaring service during the last 60 months before you start drawing your pension or reach pension age.
• Only service for which both employee and employer contributions have been paid counts.
• Your annual pensionable income must not exceed twice the National Insurance basic amount (G).
• You will not receive the pension supplement if you take out a reduced pension before the age of 60, even if you meet the other requirements.

For those born before 1970 with seagoing service time:
This depends on whether you are fully or partially disabled. You cannot receive a pension or a lump-sum payment at the same time as receiving work assessment allowance or 100% disability benefits. If you receive partial disability benefits, your pension payment will be reduced accordingly.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
You will not receive a pension if you are receiving 100% disability pension or work assessment allowance (AAP) from the National Insurance Scheme between the ages of 62 and 67. If you receive reduced disability pension or AAP during this period, the reduction of your pension account will be adjusted accordingly.

For those born before 1970 with seagoing service time:
Yes, you must apply for your pension yourself, through our website mpk.no, or if you do not have access, by paper (email us on post@mpk.no to get the form). You will receive information about your pension rights before you turn 60.

What happens if I don’t apply?

If you do not apply, you may lose your entitlements because pension payments can only be backpaid for a maximum of three years.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
If you haven’t applied for a pension by the time you turn 70, the pension will be paid for 7 years starting from the month you turned 70.

Your pension will be paid until the month you turn 67. The payments will also stop if you are granted 100% disability benefits, work assessment allowance, or public contractual early retirement pension (AFP).

For those born before 1970 with seagoing service time:
You may lose your entitlements if you don’t apply. Pension payments can only be backpaid for a maximum of three years.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
If you haven’t applied for a pension by the time you turn 70, the pension will be paid for 7 years starting from the month you turned 70.

For those born before 1970 with accrued service time:

The pensionable age is 60 for those with at least 120 months of sea service (10 years) after turning 40. Before reaching age 62, it is assumed that you have ended your sea service. If you have less than 120 months of service time after age 40, your pensionable age will be deferred by one month for every two months you are short of the 120-month requirement after age 40. If you have no service time after turning 40, the pensionable age becomes 65.

For those born on or after January 1, 1970, or who began seagoing service for the first time on or after January 1, 2020:

You can start drawing your pension from the month you turn 62 up to and including the month you turn 70. This means you are free to choose when you want to start receiving your pension within this period.

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For those born before 1970 with seagoing service time:
You may be entitled to a refund of pension contributions.

If you have between 36 and 149 months of pensionable seagoing service time, you may receive a partial refund of the contributions you paid once you reach pension age.

You are not entitled to a refund if you:

• receive 100% disability benefits
• receive work assessment allowance
• receive public AFP (contractual early retirement pension) from the National Insurance Scheme at pension age
  Note: New rules apply for public AFP.

To receive a refund, you must also have stopped earning pensionable seagoing service time.

For those born on or after January 1, 1970, or who started working at sea for the first time after January 1, 2020:
Refund of contributions does not apply under the new scheme, as a continuous pension is paid after three years of accrual.